Ratings last updated July 30, 2026
Pacific Guardian Life Insurance Company is an insurance carrier whose annuities appear on AnnuaLife's rate boards. It holds an AM Best financial-strength rating of A (Excellent).
AM Best assigns Pacific Guardian Life Insurance Company a financial-strength rating of A, which sits in its "Excellent" category. An AM Best rating is an independent opinion of an insurer's ability to meet its ongoing insurance and annuity obligations, its claims-paying ability. It is not a measure of investment performance, and it is not a guarantee. Annuities are backed by the issuing insurer, not the FDIC. An A reflects AM Best's assessment that the company has an excellent ability to meet those obligations. Ratings can change; the rating shown here was last checked July 30, 2026.
Pacific Guardian Life lists three multi-year guaranteed annuities (MYGAs) on AnnuaLife, its Diamond Head series. Rates below are examples as of July 30, 2026 and vary by state.
| Product | Term | Rate | Minimum | Details |
|---|---|---|---|---|
| Diamond Head 4 | 4 yr | 5.20% | $10,000 | View |
| Diamond Head 8 | 8 yr | 5.40% | $10,000 | View |
| Diamond Head 9 | 9 yr | 5.40% | $10,000 | View |
Sources: Pacific Guardian Life. Company facts last checked July 30, 2026.
Pacific Guardian Life is a Hawaii-based carrier with an A ("Excellent") AM Best rating and the backing of its parent, Meiji Yasuda Life, one of Japan's oldest and largest insurers. Its Diamond Head MYGA rates run modest, in the low-to-mid 5% range, which is where an A-rated carrier with deep backing tends to sit rather than at the top of the board. If you value the rating and the parent's strength over a few extra tenths of a percent, it fits. An advisor can weigh that against higher-rate, lower-rated options for your timeline.
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